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Paul is in San Francisco.

Hey, Paul. How are you?

Hey, thanks for taking my call.

Sure. What's up?

So my question's about retirement planning and specifically retirement accounts, a 401K,

I have a bit of a unique situation and I, you know, get a different opinion from everyone I ask about this.

So I thought I might call The Ramsey Show.

Well, you'll definitely get an opinion.

Yeah, I thought so.

It's an interesting one.

So I've done decently well for myself so far, but this is my first time having a 401k.

And I'm wondering if it makes sense for me to really use the 401k

because I found out recently, you know, someone in my family had been very, very successful

and I knew that, you know, eventually I was expecting to probably inherit some of that,

but I was able to see, actually read through the trust recently.

And it's a lot, like a lot more than I expected.

And I'm sort of wondering if I can find security and retirement from that potentially

does it make sense for me to not use that 401k and maybe have that money be more valuable

to me now or use a Roth and Roth IRA instead.

A Roth IRA instead of a 401K?

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